Spritz FinanceSpritz
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Side-by-side card comparison
Spritz vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 8 points (70 vs 62). Spritz Card looks stronger for Cashback, while Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Sep 1, 202662 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. Spritz Card may be the better fit for Cashback. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallSpritz62Xapo70Higher score
CashbackSpritz34Xapo24Higher score
TravelSpritz46Xapo91Higher score
Funds controlSpritz62Xapo63Higher score
Lowest feesSpritz44Xapo77Higher score
TransfersSpritz64Xapo100Higher score
Choose Spritz Card if cashback matters most
Spritz Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
Choose Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No Xapo FX markup
- Account-backed bank and crypto rails
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Spritz62Xapo70
Xapo Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Spritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply FXXapo$1,000/year plan · 0–0.29% FX
Spritz Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Spritz0% base · up to 5%Xapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- SpritzHybrid custodyXapoCustodial balance
Spritz Card uses a hybrid custody setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- SpritzVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Spritz Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Spritz0 stablecoins · Wallet-to-bank Off-RampXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 1).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 fiat
- Cashback
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsSpritz CardOverall62Xapo CardOverall70
Spritz CardOverall62Xapo CardOverall70Scores
6 fields- Overall Score
- Spritz Card62Xapo Card70
- Cashback score
- Spritz Card34Xapo Card24
- Travel score
- Spritz Card46Xapo Card91
- Funds control score
- Spritz Card62Xapo Card63
- Lowest fees score
- Spritz Card44Xapo Card77
- Transfers score
- Spritz Card64Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Spritz CardDirect crypto card top-up, Both major phone walletsXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Spritz CardATM use is not verified, Top-up fees vary by routeXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Spritz Card$0Xapo Card$1,000/year
- FX fee
- Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may applyXapo Card0–0.29%
- Top-up fee
- Spritz Card1–3%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Spritz Card0%Xapo Card0%
- ATM fee
- Spritz CardNot disclosedXapo Card0–2%
- Virtual card
- Spritz CardNot disclosedXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Spritz CardNot disclosedXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Spritz CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Spritz CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Spritz CardVisaXapo CardVisa/Mastercard
- Card formats
- Spritz CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Spritz CardNot disclosedXapo CardAvailable
- Mobile wallets
- Spritz CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Spritz CardiOSXapo CardiOS, Android
- Daily spending limit
- Spritz CardNo provider-published daily spend capXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Spritz CardNot disclosedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Spritz CardNot verified for the current no-PIN cardXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Spritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Spritz CardOther crypto: Crypto top-upXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Spritz CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Spritz CardWallet-to-bank Off-RampXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Spritz CardUSD, CAD, GBP, EURXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Spritz Card0%Xapo Card0%
- Max cashback
- Spritz Card5%Xapo Card3%
- Reward currency
- Spritz CardSpritz CreditsXapo CardBTC
Earn
5 fields- Advertised APY
- Spritz CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Spritz CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Spritz CardNot offeredXapo CardNo
- Use balance for spending
- Spritz CardNot offeredXapo CardYes
- Lock-up
- Spritz CardNot offeredXapo CardNo
Trust & availability
5 fields- Custody
- Spritz CardHybrid custodyXapo CardCustodial
- Control until payment
- Spritz CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Spritz CardNot disclosedXapo CardTransact Payments Malta Limited
- Card processing
- Spritz CardRainXapo CardNot disclosed
- Bank transfers
- Spritz CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- Spritz Card41Xapo Card21
- Last reviewed
- Spritz CardAug 28, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 62 for Spritz Card. Spritz Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Spritz Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Spritz Card uses a hybrid custody setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Spritz Card and Xapo Card reviews first.
Continue with
Spritz Card
Continue with
Xapo Card
05 · Common questions
Spritz vs Xapo FAQ
Is Spritz or Xapo better overall?
Xapo Card has the higher Overall Score (70 vs 62). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Spritz or Xapo?
Spritz Card has the lower starting plan cost ($0 vs $1,000/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Spritz or Xapo?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Spritz and Xapo differ on custody?
Spritz Card uses a hybrid custody setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Spritz vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 62 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.